February 6, 2018 • Page 2 shop online at www.missourivalleyshopper.com Dave Says By Daris Howard Rent-To-Own Ok? Disability Insurance Elimination Period? Dear Dave, Is it okay to buy something using a rent-to-own plan? Josh Dear Josh, I advise against rent-to-own deals. Rent-to-own places get people in the door with promises of low monthly or weekly payments. But when it comes to rent-to-own furniture, washer and dryer sets, and that kind of thing, you’ll end up paying much, much more than if you saved up and bought item outright. The amount you’ll pay Dave out of pocket is even more ridiculous if you compare it to buying the same item, slightly used, somewhere else. I don’t recommend rent-to-own scenarios when it comes to buying a home, either. Most of those offerings are listed at full retail price and then some. Plus, the contracts are tilted toward the seller’s side of the equation. And very few people who sign a rent-to-own home deal follow through and become homeowners. When it comes to real estate deals, the only thing I would consider — other than an outright cash purchase — is leasing with an option to buy. That’s different than rent-to-own, because in a rent-to-own situation you’ve committed to purchase. On a lease with an option to buy deal, you have the right to purchase, but not the obligation. Josh, most of the people who use rent-to-own deals are not in good financial shape. They’re deeply in debt, and they have no money. Rent-to-own ensures they’ll stay there. — Dave RAMSEY Dear Dave, I’m looking at long-term disability insurance policies. What does the term “elimination period” mean? Glen Dear Glen, The elimination period is, by definition, the time from the point you’re declared disabled by a doctor until you begin receiving payments from the insurance company. If you have a 90-day elimination period, it will be about that long from the time you’re officially declared disabled until you see your first check. I recommend 90- to 180-day elimination periods, depending on what kind of financial shape you’re in, and how much money you have stashed away in savings, investments, and your emergency fund. If you have a fully-loaded emergency fund of three to six months of expenses — and you have little or no debt, plus other money stashed away — you should be able to carry a policy with a longer elimination period. And remember, the longer the elimination period, the lower your premiums will be. Hope this helps, Glen! — Dave * Dave Ramsey is America’s trusted voice on money and business, and CEO of Ramsey Solutions. He has authored seven bestselling books, including The Total Money Makeover. The Dave Ramsey Show is heard by more than 12 million listeners each week on 575 radio stations and multiple digital platforms. Follow Dave on Twitter at @DaveRamsey and on the web at daveramsey.com. MV Shopper 665-5884 MV Shoppered’lvel rMistincgh Arllic s LocalW t a P A Price Looking for the best deal in town? Check the In Print and Online! M I S S O U R I VA L L E Y M I S S O U R I VA L L E Y Best ! In Town es! Bud & Bud Ligh $ t 7.49 16 Oz, 8 Pk Cans Natural Light B $ eer Same Price as 30 Pks, Get 14.29 36 Pk Cans CLASSIFIEDS! 6 FREE Cans Kinky Flavored Malt 6 Pk Bottles, All Flavor s Beverages $6.9 9 Crown Royal Wh isky $ Cork N Bottle 25.99 750 ML,All Flavors MV Shopper 319 Walnut St. Yankton, SD 57078 MV Shopper M I S S O U R I VA L L E Y M I S S O U R I VA L L E Y 1500 Broadway, 665-3881 A Ring of Dough Sandra laughed. “What could possibly go wrong in making bread?” I grew up on a farm pretty much in the middle of nowhere. One of the things I learned well was the value of self-sufficiency. And when I was leaving for two years to serve a mission in New York, my mother insisted that I spend time learning to cook the main foods we usually ate. When I got to New York, I spent a lot of helping struggling families. Much of their struggle was financial, and self-sufficiency skills can help a person save money. When the ladies of the church congregation learned that I made home-made bread, they asked if I would do a demonstration for all who were interested. I felt awkward teaching women how to cook and said so. That was when Sandra, the president of the women, assured me it would be okay. She also promised to provide all of the ingredients that I needed. Sandra told me the group wouldn’t be too big. “There will probably be about a half dozen women there, and we are going to also invite their husbands to enjoy the fresh homemade bread. We’ll also allow the women to invite friends, but I doubt more than one or two extras will come.” When I arrived at the church the night of the demonstration, two tables were set up for people to sit at and eat, and another two were there for us to knead the bread. Sandra had all of the needed supplies in the kitchen. But as the time for the demonstration approached, we were in for a surprise as the hall started to fill. More tables were set up, and by the time the demonstration was to start, more than fifty women were there with almost an equal number of men. Sandra sent her assistant to the store for more supplies and bread pans. We decided one loaf of bread could feed about four people, so we would need more than twenty-five loaves. The women organized in groups of two, and together they did all of the things I showed them while their husbands hungrily watched. The women mixed the dough and kneaded it. They seemed to enjoy punching and rolling the dough. We put it into the pans, and then we moved the pans to the kitchen to let the bread rise while some women provided some musical entertainment. Once the entertainment was over, the loaves had risen and were tall and beautiful. It was time to start running them through the ovens. That was the moment when one of the ladies realized she was missing her wedding ring. It was obvious it had to be in one of the loves. But they were all in identical pans. Hoping to save as many loaves as possible, the women went through the loaves one at a time. As fate would have it, the ring was in the very last loaf. The loaves were put back in the pans, but they never rise well a second time. The entertainment did a half-hearted second rendition of the same music, and then the half-risen loaves were put into the four ovens. When they came out, people ate with gusto, but I knew the loaves were heavy and flat. One old man said to me, “They were good and all, don’t get me wrong. But I think we’ll stick to store-bought bread.” As the man walked away, Sandra, who had heard what he had said, came up and put her hand on my arm. “This is my fault. I guess I now understand what can go wrong.” Then she smiled and said, “I guess we’ll just have to do it again. But next time, we’ll have everyone remove their wedding rings first.” 605-665-5884 Dining & Entertainment Dakota Territory Gun Collectors Assn. Gun Show The Big One /The TrOphy ShOw Sat., Feb. 10 — 9 a.m. to 5 p.m. Sun., Feb. 11 — 9 a.m. to 3 p.m. — NEW LOCATION — Sioux Falls Convention Center 1½ miles East of I-29 Exit 81 on Russell Admission: $5.00 REAL ESTATE RENTALS AUTOMOTIVE EMPLOYMENT MERCHANDISE COUPONS The Missouri Valley Shopper and missourivalleyshopper.com is your complete source for buying and selling. Everything you need is just a click or call away! To place your ad call... 605.665.5884 MV Shopper M I S S O U R I VA L L E Y Have you heard about it? Everyone who has seen it says you gotta go! A replica of Noah’s Ark, in Williamstown, Kentucky, built according to exact size as given in the flood story book of Genesis. Then, sister theme it says Have you heard about it? Everyoneawho has seen park, The Creation Museum, based Noah’s Ark, in Williamstown, you gotta go! A replica of on the Six Days of Creation story! Kentucky, built Ark, Creation Museum & Our Nation’s Capital according to exact size as given in the Paris, the Beaches of Normandy Departing September 11, 2018 story book of Genesis. Then, a sister theme park, The flood 8 day tour. Visit includes both theme parks in Kentucky & spend 4 Ireland of Creation Museum, based on&Tour: DepartingCreation story! the Six Days Tour nights in Washington, D.C. The D.C. visit includes historical sights 12-Day Deluxe August 6, 2018 plus the newly opened Bible Museum. Ark, Creation Museum & Our Nation’s Capital Ark, Creation Museum 11,Lexington Departing September & 2018 Departing May parks in Kentucky & spend 4 8 day tour. Visit includes both theme 22, 2018 6 in Washington, D.C. The D.C. visit includes 2 nights sights nights day tour. Visit both theme parks & spend historicalin Lexington, Kentucky visiting theBible Museum. plus the newly opened beautiful thoroughbred horse parks, & more. Ark, Creation Museum &Falls Lexington Both tours include: airfare from Sioux2018 & Minneapolis, Departing May 22, all sights, hotels, escorted, & many meals. in 6 day tour. Visit both theme parks & spend 2 nights Lexington, Kentucky visiting the beautiful thoroughbred 4 Seats Left! Paris, the Beaches of Normandy & For Brochure Call: Vi Ranney, Ireland Tour 12-Day Deluxe Tour: Departing Designer 6, 2018 Independent Tour August (605) 665-3596 or e-mail: viranney@vyn.midco.net For Brochure Call: Vi Ranney, Independent Tour Designer